In Golden Gate, a typical home is worth $409,700 and typical rent is $1,713 a month. Compared with all of Collier County, the typical home value is 24% lower, typical household income is 24% lower, and the share of households that own their home is 22 points lower.
Golden Gate is in Collier County. The FHA loan limit ($764,750 for a one-unit home), the fair market rents and the help on this page are those of all of Collier County. See the county
What this place has that others do not, from public data, most unusual first.
1
55% of households in Golden Gate own their home, against 77% in Collier County.
2
The typical home in Golden Gate is worth $409,700,24% less than in Collier County as a whole ($540,700).
3
The typical household income in Golden Gate is $68,475,24% less than in Collier County as a whole ($90,045).
4
Nearby, in Naples Manor, the typical home value is $340,400: 17% less than in Golden Gate ($409,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Golden Gate
What homes there are in Golden Gate, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Golden Gate
Collier County
Florida
United States
Kind of home: Golden Gate and its comparisons
Measure
Golden Gate
Collier County
Florida
United States
Detached house
52%
43%
55%
61%
Attached house
Unreliable estimate
7%
7%
6%
Building of 2 to 4
20%
9%
6%
8%
Apartments (5 or more)
Unreliable estimate
36%
25%
19%
Mobile home
Unreliable estimate
4%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 52% of homes here, against 43% in Collier County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Golden Gate
Collier County
Florida
United States
Year built: Golden Gate and its comparisons
Measure
Golden Gate
Collier County
Florida
United States
Before 1960
Unreliable estimate
1%
10%
26%
1960–1979
23%
15%
24%
24%
1980–1999
59%
42%
34%
25%
2000–2009
15%
24%
18%
14%
2010 or later
Unreliable estimate
18%
14%
11%
In Golden Gate, half of the homes were built before 1987; in Collier County, before 1996.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K8%
$200K–$300K12%
$300K–$500K59%
$500K–$750K16%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Golden Gate and its comparisons
Measure
Golden Gate
Under $100K
Unreliable estimate
$100K–$200K
8%
$200K–$300K
12%
$300K–$500K
59%
$500K–$750K
16%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49927%
$1,500–$1,99940%
$2,000–$2,49924%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Golden Gate and its comparisons
Measure
Golden Gate
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
27%
$1,500–$1,999
40%
$2,000–$2,499
24%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,813 a month
Collier County: $2,390 a month
Without a mortgage
$528 a month
Collier County: $985 a month
Owners with a mortgage
67%
Collier County: 47%
The typical cost for an owner with a mortgage in Golden Gate is $1,813 a month, less than in Collier County ($2,390); without one, $528.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Golden Gate+75%
Collier County+50%
Florida+67%
United States+53%
Typical rent
Golden Gate+41%
Collier County+41%
Florida+42%
United States+33%
Typical household income
Golden Gate+40%
Collier County+29%
Florida+34%
United States+29%
Change since 2015–2019: Golden Gate and its comparisons
Measure
Golden Gate
Collier County
Florida
United States
Typical home value
+75%
+50%
+67%
+53%
Typical rent
+41%
+41%
+42%
+33%
Typical household income
+40%
+29%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Golden Gate rose 75%; in Collier County, it rose 50%.
Rents in Golden Gate rose at about the same pace as in Collier County: 41% since 2015–2019, against 41%.
To compare: typical income in Golden Gate rose 40%; the home, +75%; the rent, +41%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Golden Gate and its comparisons
Measure
Golden Gate
Collier County
Florida
United States
Rental vacancy
Unreliable estimate
10.0%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.5%
1.4%
0.9%
More than one person per room
13.2%
4.0%
3.3%
3.4%
People per household
3.63
2.37
2.51
2.53
Drive alone
72%
69%
70%
69%
Carpool
17%
11%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
8%
16%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More households are short on space in Golden Gate: 13.2% have more than one person per room; in Collier County, 4.0%.
Households in Golden Gate are bigger: 3.63 people on average; in Collier County, 2.37.
More people carpool to work in Golden Gate than in Collier County: 17% against 11%.
Do the math
What would you pay each month for a home in Golden Gate?
A typical home costs more than the typical income allows
We start with a typical home in Golden Gate, worth $409,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Golden Gate, which is $68,475 a year. For that payment to be 28% of income, a household would need to earn about $138,167 a year.
The calculator's FHA and conventional loan limits are those of all of Collier County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Golden Gate. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,340 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,224
at 7.18% · 30 years
Loan amount
$402,279
Total interest
$578,785
Paid off in
November 2056
Includes $6,919 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,598 a month
Tight
$1,598 to $2,054 a month
Hard
more than $2,054 a month
Your payment · 56%
Compared with the typical household income in Golden Gate ($68,475 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,725
Property tax
$147
Home insurance
$171
FHA mortgage insurance (MIP)
$181
You need at least $14,340 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,224; principal and interest $2,725.
The city and its county
Golden Gate and Collier County
Golden Gate is in Collier County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Golden Gate
Map of Collier County, Florida, with Golden Gate marked. Around it, the neighboring counties.
Golden Gate
Collier County
Other cities with a page
Golden Gate's own numbers
Typical home value
$409,700
Typical monthly rent
$1,713
Typical yearly household income
$68,475
Households that own their home
55%
Effective property tax rate
0.43%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Collier County
FHA limit, one-unit home
$764,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,036
Price change over 5 years (FHFA)
+68%
Homes in a high flood-risk zone
0.1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Collier County.
A typical home in Golden Gate is worth $409,700: 24% below the county and 14% above Florida. With the typical household income in Golden Gate ($68,475 a year), a typical home costs 6.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Golden Gate6.0 years
Collier6.0 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Collier County
According to FHFA’s house price index, home prices in Collier County rose 119% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Collier County.
Yearly change in FHFA’s price index in Collier County, 2016 to 2025
2016: +9.7% +9.7% 2016
2017: +4.3% +4.3% 2017
2018: +6.0% +6.0% 2018
2019: +3.6% +3.6% 2019
2020: +3.9% +3.9% 2020
2021: +17.9% +17.9% 2021
2022: +27.7% +27.7% 2022
2023: +10.7% +10.7% 2023
2024: +3.2% +3.2% 2024
2025: −2.5% −2.5% 2025
Change in FHFA’s price index in Collier County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−2.5%
−0.5%
+2.9%
5 years (2020–2025)
+68%
+60%
+47%
10 years (2015–2025)
+119%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Golden Gate next to Collier County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Golden Gate$409,700
Collier$540,700
Florida$359,000
United States$332,700
Typical monthly rent
Golden Gate$1,713
Collier$1,862
Florida$1,669
United States$1,413
Typical yearly household income
Golden Gate$68,475
Collier$90,045
Florida$74,568
United States$80,734
See the full table
Golden Gate next to Collier County and Florida
Measure
Golden Gate
Collier County
Florida
U.S.
Typical home value
$409,700 ▼24% below the county
$540,700
$359,000
$332,700
Typical monthly rent
$1,713 ▼8% below the county
$1,862
$1,669
$1,413
Typical yearly household income
$68,475 ▼24% below the county
$90,045
$74,568
$80,734
Households that own their home
55% ▼22 points below the county
77%
68%
65%
Typical yearly property tax
$1,767 ▼48% below the county
$3,386
$2,730
$3,119
Effective property tax rate
0.43% ▼0.2 points below the county
0.63%
0.76%
0.94%
Renters with high rent for their income
69% ▲5 points above the county
63%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Collier County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Golden Gate
For a typical $409,700 home in Golden Gate, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Golden Gate's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,224a month
Least cash to close
Down payment
$14,340
Cash to close
$26,631
Rate
7.18%
Mortgage insurance
FHA MIP · $181
Conventional, 5% down$3,149a month
Down payment
$20,485
Cash to close
$32,776
Rate
7.18%
Mortgage insurance
PMI · $195
Conventional, 20% down, no PMI$2,538a month
Down payment
$81,940
Cash to close
$94,231
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,917a month
Down payment
$61,455
Cash to close
$73,746
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Golden Gate
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,224
$14,340
$402,279
7.18%
FHA MIP · $181
$26,631
580
Conventional, 5% down
$3,149
$20,485
$389,215
7.18%
PMI · $195
$32,776
620*
Conventional, 20% down, no PMI
$2,538
$81,940
$327,760
7.18%
None
$94,231
620*
ITIN, 15% down (example)
$2,917
$61,455
$348,245
8.18%
None
$73,746
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Golden Gate is $1,713 a month: 8% below the county. In Golden Gate, 69% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Collier County, by unit size. To pay the 2-bedroom one ($2,036 a month) without spending more than 30% of your income, you would need to earn $39.15 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Collier County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,418
$27.27
$56,720
1 bedroom
$1,870
$35.96
$74,800
2 bedrooms
$2,036
$39.15
$81,440
3 bedrooms
$2,584
$49.69
$103,360
4 bedrooms
$2,815
$54.13
$112,600
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Golden Gate
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Golden Gate is in ZIP code 34116.
For 2 bedrooms it is $1,940: $96 less than the fair market rent for Collier County ($2,036).
Fair market rent by ZIP code and size in Golden Gate, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
34116
$1,350
$1,780
$1,940
$2,460
$2,680
ZIP code2 bd3 bd
34116 $1,940$2,460
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Golden Gate when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in Collier County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Golden Gate or Collier County. The ones below are statewide in Florida: they work in Golden Gate the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
No legal help resource on our list is for Golden Gate or Collier County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Golden Gate and all of Collier County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Golden Gate?
The typical home value in Golden Gate is $409,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Collier County it is $540,700.
How much does it cost to rent in Golden Gate?
Typical rent in Golden Gate is $1,713 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Collier County is $2,036.
What is the FHA loan limit in Golden Gate?
Golden Gate uses the FHA limit for all of Collier County (2026): $764,750 for a one-unit home and $1,470,700 for a four-unit home.
How much property tax do owners pay in Golden Gate?
The typical homeowner in Golden Gate pays $1,767 a year, according to the U.S. Census Bureau. That is 0.43% of the home’s value; in Collier County, the rate is 0.63%.
Where can I find free help to buy or rent in Golden Gate?
There is 1 HUD-approved counseling agency with an office in Collier County. They can help you get ready to buy, with your credit, or with rent.
